Cashowa
Loading
Loading
Pricing
Then fix it together. Every leak comes with the fix, ranked so you know what to tackle first — and you can ask Cashowa follow-up questions the whole way through. From $14.99 a month. Personal money tracking stays free, on every plan.
Track your personal money, free forever.
$0/mo
Forever free
10 credits / month included
Your business, analysed. Plus everything personal.
$14.99/mo
Billed monthly
200 credits / month included
A full analyst engagement, from your own documents.
$39/mo
Billed monthly
600 credits / month included
No card to sign up. Adding your business is free — analysis starts on Starter.
It doesn't stop at the diagnosis. Every problem it finds comes with the fix, in the order worth doing them — and you can ask it follow-up questions on any of them, in plain English, with the maths shown.
Unused tools, ads that never convert, shipping you're under-charging for. Each leak named, with a number against it.
Every recommendation scored on impact and effort, so the fastest payoff sits at the top instead of buried in a list of twelve.
Findability, conversion and trust, scored and explained. No website? It audits your Etsy, Amazon or Shopify shop instead.
How many months you have, projected from your real statements rather than a guess — with the trend that got you there.
What one sale really leaves you after cost of goods and what it cost to win the customer. Margin compared to your kind of business.
Name up to three rivals and Cashowa scores their sites on the same criteria as yours — what they do better, what you do better, and the one thing to copy.
Tap any figure and see the calculation behind it. Nothing appears in your report that a computation didn't produce.
Starter analyses what you tell it. Pro reads your actual documents and produces the deliverables a consultant would — then keeps doing it every quarter.
Upload your P&Ls, data exports, contracts and process docs. Cashowa reads them and produces proper deliverables from what's actually in them.
Requirements briefs, process analysis, data analysis, business cases and stakeholder maps — downloadable as PDF.
People ask assistants for recommendations now. Cashowa asks the questions your customers would and reports whether you came up — and which sources got cited instead.
A fresh audit every 90 days with a written comparison: what improved, what slipped, and what to do about it in the next quarter.
The business analyst starts on Starter. Analyst Pro and the automatic quarterly review are Pro. Your personal dashboard, budgets and net worth are free on every plan, forever.
| Feature | Free | Starter | Pro |
|---|---|---|---|
| Price | $0 | $14.99 / mo | $39 / mo |
| Yearly option (save ~17%) | $149 / yr | $390 / yr | |
| AI credits / month | 10 | 200 | 600 |
| Add a business | |||
| Business audit — leaks, pricing, priorities | |||
| Website & storefront audit | |||
| Etsy, Amazon & eBay storefronts | |||
| Score history — see it move each run | |||
| Competitor comparison (+25 credits each) | |||
| Upload a listings export for a full check | |||
| Business cash flow & forecast | |||
| Business chat | |||
| Audit exports (PDF & Markdown) | |||
| AI visibility — do assistants recommend you? | |||
| Analyst Pro engagements | |||
| Upload documents for the analyst to read | |||
| Deliverables (BRD, process, data analysis) | |||
| Automatic Quarterly Business Review | |||
| Quarter-over-quarter narrative | |||
| Dashboard & spending charts | |||
| Budgets, net worth & goals | |||
| Subscription & recurring detection | |||
| CSV & PDF import + data export | |||
| Personal AI chat & planner | uses credits | uses credits | uses credits |
| Top-up credit packs | $0.25 / credit | $0.18 / credit | |
| Priority support |
“Uses credits” means the feature is available on that plan and draws from your monthly credit allowance — see the per-action cost below.
The personal side never needed a subscription and still doesn't. Track your own money at no cost, on any plan.
Net worth, this-month spending, income vs expense, and a category breakdown the moment you upload a statement.
What you own minus what you owe, charted over time, plus a monthly limit per category tracked against real spending.
Cashowa spots recurring charges in your transactions and helps you cancel the ones you don't use.
Credits are how AI work is metered. Per-action pricing means you know what something costs before you ask for it.
Starter's 200 credits cover roughly two full audits with a website crawl, or six without. Pro's 600 cover eight.
Buy a credit pack from your billing page once you've used your monthly allowance. Top-up credits don't expire while your plan is active.
50 credits
$12
$0.240 / credit
200 credits
$40
$0.200 / credit
600 credits
$99
$0.165 / credit
You can add your business and fill in its details for free, but running the analysis needs Starter. If you were on a paid plan before, everything you already generated stays readable and downloadable — the gate stops new runs, it doesn't take back work you've done.
Starter is the everyday analyst: it works from the figures you enter and the statements you upload, audits your storefront, and tells you what to fix. Pro is a full engagement — it reads your actual documents (P&Ls, contracts, data exports) and produces analyst deliverables from them, then reruns the whole review every 90 days with a written comparison.
The entire personal side — dashboard, spending reports, budgets, net worth, goals and subscription detection — is free forever and never uses credits. That was true before the business analyst existed and it's still true.
The AI runs on a paid service (Anthropic Claude). Credits keep the price predictable and tie cost to value delivered, rather than charging everyone for the heaviest users. Tracking your own money has no such cost, so it stays free.
Monthly allotments don't roll over — they refresh on your billing date. Top-up credits, on the other hand, never expire while your plan stays active.
Yes. Cancel from your Billing settings — you keep paid access until the end of the current billing period, then drop to Free and keep the whole personal suite.
If you're unhappy in your first 14 days on a paid plan, email hello@cashowa.app for a full refund.
Add your business free, then run the audit that puts a number on every leak. Cancel any time.